What is Non-Owner Car Insurance?
Non-owner car insurance provides liability coverage for drivers who don’t own a vehicle but still need protection when renting, borrowing, or using a car-sharing service. It’s a smart solution for maintaining continuous coverage and peace of mind.
Cover Yourself From:
Bodily Injury Liability
Property Damage Liability
Uninsured/Underinsured Motorist Liability
Rental Car Coverage
Legal Defense Costs
Medical Payments
FAQ
What is non-owner car insurance?
Non-owner insurance is liability coverage for people who regularly drive but don’t own a vehicle. It covers you when driving borrowed or rental cars.
Who should get non-owner insurance?
It’s ideal for those who use car-sharing services, rent cars frequently, or have a license reinstatement requirement (like SR-22).
Does it cover physical damage to the car?
No, non-owner policies only cover liability (injuries or property damage you cause to others). Physical damage to the car is not included.
Is it cheaper than standard car insurance?
Yes, since there’s no owned vehicle to cover, non-owner policies are generally more affordable than standard auto insurance.